Jordan's interest rate spread (lending rate minus deposit rate, %) was 2.62% in 2025, the latest year in the World Bank's World Development Indicators. That is down 2.36 percentage points from 4.98% in 2015.
Key figures
| Value | Year | |
|---|---|---|
| Latest | 2.62% | 2025 |
| Five years earlier | 3.41% | 2020 |
| Ten years earlier | 4.98% | 2015 |
| Highest | 6.15% | 2003 |
| Lowest | 2.44% | 2024 |
| Average since 2016 | 3.71% | 2016–2025 |
| First recorded | 3.23% | 1997 |
What the numbers say
In 2025, Jordan's interest rate spread (lending rate minus deposit rate, %) rose 0.18 percentage points on 2024 (from 2.44% to 2.62%).
Across the 27 yearly changes before that (1998 to 2024), the average change was −0.03 percentage points and a typical year strayed about 0.64 percentage points from that (the standard deviation). This year's change was 0.3 standard deviations above that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.
On record, the biggest yearly rise was 1.19 percentage points in 2010 and the biggest yearly fall was 1.14 percentage points in 2006. The numbers show how large and when, not why; for the cause, look at what happened in that country in those years.
From 2016 to 2025 the straight-line trend is downward, about 0.27 percentage points a year. A straight line explains 88% of the movement over 10 observed years.
Worked out from the yearly values above. How the checks work: standard deviation, z-scores and straight-line trends.
A straight-line projection, tested first
Extending that straight line gives about 1.97% for 2028. We show this only because the same method, fitted on earlier years, predicted 2023 to 2025 better than "no change" would have: its average miss was 0.45%, against 0.7% for assuming no change. Treat it as a continuation of the recent pattern, not a forecast of events: it cannot see a recession, a policy change or a revision to the data.
See how a linear trend forecast works and the guide on forecasting without fooling yourself.
How it compares
In 2025, Jordan had the 65th highest value of the 72 economies reporting that year. Higher is not always better: for some indicators the lowest value is the one to aim for. See the full ranking.
| Value | Year | |
|---|---|---|
| Jordan | 2.62% | 2025 |
| World | 5.98% | 2019 |
| Upper middle income | 5.82% | 2025 |
Closest to Jordan in the 2025 ranking
- Switzerland — 61st of 72: 2.74%
- North Macedonia — 62nd of 72: 2.69%
- Norway — 63rd of 72: 2.67%
- Kuwait — 65th of 72: 2.41%
- Malaysia — 66th of 72: 2.4%
- Hungary — 67th of 72: 2.3%
What this measures
Interest rate spread is the interest rate charged by banks on loans to private sector customers minus the interest rate paid by commercial or similar banks for demand, time, or savings deposits. The terms and conditions attached to these rates differ by country, however, limiting their comparability.
Limitations: Countries use a variety of reporting formats, sample designs, interest compounding formulas, averaging methods, and data presentations for indices and other data series on interest rates. The IMF's Monetary and Financial Statistics Manual does not provide guidelines beyond the general recommendation that such data should reflect market prices and effective (rather than nominal) interest rates and should be representative of the financial assets and markets to be covered. For more information, please see http://www.imf.org/external/pubs/ft/mfs/manual/index.htm.
Regional and income-group figures are computed by the World Bank as a median.
All 29 values
| Year | Interest rate spread (lending rate minus deposit rate, %) |
|---|---|
| 2025 | 2.62 |
| 2024 | 2.44 |
| 2023 | 3.44 |
| 2022 | 3.54 |
| 2021 | 3.58 |
| 2020 | 3.41 |
| 2019 | 3.73 |
| 2018 | 4.28 |
| 2017 | 4.96 |
| 2016 | 5.09 |
| 2015 |
Interest rate spread (lending rate minus deposit rate, %) in nearby economies
- Algeria — 6.25% (2025)
- Bahrain — 4.17% (2015)
- Egypt, Arab Rep. — 5.13% (2024)
- Iran, Islamic Rep. — 5.2% (2016)
- Iraq — 7.44% (2015)
- Israel — 2.52% (2022)
- Kuwait — 2.41% (2025)
- Lebanon — 0.82% (2019)
- Oman — 1.35% (2021)
More financial sector data for Jordan
- Net domestic credit (current LCU) — 47.43 billion (2025)
- Net foreign assets (current LCU) — 15.24 billion (2025)
- Broad money (current LCU) — 45.97 billion (2025)
- Broad money to total reserves ratio — 2.44 (2025)
- DEC alternative conversion factor (LCU per US$) — US$0.71 (2025)
- Official exchange rate (LCU per US$, period average) — US$0.71 (2025)
- Claims on central government (annual growth as % of broad money) — 1.28% (2025)
- Claims on private sector (annual growth as % of broad money) — 1.91% (2025)
- Broad money (annual % growth) — 5.91% (2025)
- Domestic credit to private sector by banks (% of GDP)
Reading data like this
Questions people ask
- What is Jordan's interest rate spread (lending rate minus deposit rate, %)?
- 2.62% in 2025, according to the World Bank (World Development Indicators).
- How has it changed since 1997?
- It is down 0.61 percentage points from 3.23% in 1997. The highest value was 6.15% in 2003 and the lowest 2.44% in 2024.
- How does Jordan rank?
Source
World Bank, World Development Indicators, indicator FR.INR.LNDP, licensed CC BY 4.0. Original source: International Financial Statistics database, International Monetary Fund (IMF) Figures are fetched from the World Bank API and refreshed monthly; see the series on data.worldbank.org. The full definition and method are in the World Bank's metadata glossary. Comparisons use the same World Bank release.
Want to ask your own questions of data like this? Try AnalyzeIt: upload a file or ask about public data in plain words, and every figure comes with its working.
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